Citizens Bank in Missouri vs the state
10.1%Denial rate-4.99 pts vs state
10.8%Decision denial rate-7.87 pts vs state
80.6%Origination rate+17.96 pts vs state
—Median rate
—Rate spread (pts)
$122kMedian applicant income
104Loans originated
13Denied
Trend in Missouri
| Year | Applications | Originated | Denial rate | Median rate | Rank in state |
|---|---|---|---|---|---|
| 2023 | 65 | 52 | 7.7% | — | #291 |
| 2024 | 57 | 49 | 8.8% | — | #311 |
| 2025 | 129 | 104 | 10.1% | — | #236 |
What Citizens Bank lends in Missouri
By loan purpose
By loan type
Where in Missouri
Counties with the most Citizens Bank applications in 2025.
| County | Applications | Originated | Denied | Denial rate |
|---|---|---|---|---|
| Franklin County | 70 | 54 | 8 | 11.4% |
| St. Louis County | 23 | 22 | 0 | 0.0% |
| St. Louis city | 8 | 7 | 0 | 0.0% |
| Gasconade County | 8 | 7 | 1 | 12.5% |
| St. Charles County | 8 | 4 | 2 | 25.0% |
| Montgomery County | 2 | 1 | 1 | 50.0% |
| Jefferson County | 2 | 2 | 0 | 0.0% |
| Warren County | 2 | 2 | 0 | 0.0% |
| Lincoln County | 1 | 1 | 0 | 0.0% |
| Stone County | 1 | 1 | 0 | 0.0% |
Other large lenders in Missouri
| Lender | Grade | Applications | Denial rate | Median rate |
|---|---|---|---|---|
| Rocket Mortgage | C | 10,460 | 18.4% | 6.63% |
| Flat Branch Mortgage | A | 8,999 | 0.9% | 6.63% |
| Guild Mortgage | A | 7,388 | 2.5% | 6.63% |
| U.S. Bank | D | 7,190 | 32.8% | 7.63% |
| The Central Trust Bank | C | 7,022 | 9.7% | 6.63% |
| United Shore Financial Services | B | 6,710 | 8.0% | 6.55% |
| Communityamerica Credit Union | B | 5,843 | 16.8% | 6.49% |
| Mortgage Research Center | C | 5,734 | 15.6% | 6.25% |
| Broker Solutions | D | 5,007 | 7.8% | 6.88% |
| Commerce Bank | D | 4,905 | 27.2% | 6.72% |
Frequently asked questions
Missouri: 129 applications in 2025, of which 104 were originated and 13 denied.
10.1% of all applications, or 10.8% of the applications it actually decided on. The Missouri statewide average across all lenders was 15.1%.
This lender did not report interest rates on its originated loans (some institutions are exempt from HMDA pricing fields).
About this data. Figures are Citizens Bank's own HMDA filing for properties located in Missouri, 2025. The grade is national; state-level figures are shown for context and are not separately graded. Methodology